Side-by-side · Q2 2026 data
HomeTrust Bank vs Mountain Credit Union
Metric by metric
| Measure | HomeTrust Bank | Mountain Credit Union |
|---|---|---|
| TellerScore | 68 | 70 (stronger) |
| Capital cushion | 79 (stronger) | 62 |
| Loan quality | 53 | 78 (stronger) |
| Earnings | 81 (stronger) | 43 |
| Funding & liquidity | 45 | 95 (stronger) |
| Problem-loan coverage | 82 | 93 (stronger) |
| Peer percentile | 49th | 51st |
| Total assets | $4.4B | $372.4M |
| Deposits / shares | $3.6B | $327.2M |
| Capital ratio | 12.91% (stronger) | 11.22% |
| Problem loans | 1.40% | 0.67% (stronger) |
| Net charge-offs | 0.20% (stronger) | 0.52% |
| Return on assets | 1.52% (stronger) | 0.59% |
| Loans ÷ deposits | 102.5% | 65.4% (stronger) |
| Uninsured deposits | 26.5% | 6.6% (stronger) |
| Offices | 33 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.1% | 19.0% |
Mountain Credit Union has the higher TellerScore (70 vs 68). On the 7 directional measures above (where higher or lower is clearly better), HomeTrust Bank leads on 3 and Mountain Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.